MTR Financial Services, LLC is a registered investment advisory firm, specializing in financial planning and wealth management, servicing individual clients and corporations on a fee-only basis. The fee-only model assures clients that our recommendations are not motivated by commissions of any kind.
We believe that everybody, regardless of individual assets and/or income level, can benefit from professional financial advice. Whatever your current situation, itÂs important that you educate yourself about how to maximize your current financial assets and plan for a more secure future.
Our mission is to provide sound, practical financial planning integrated with structured, disciplined investment management services. We conduct our business with the highest ethical standards and uncompromising integrity in order to develop long-term relationships.
The central focus of MTR Financial Services, LLC is our clients. We treat them with honesty, respect, fairness, and appreciation at all times.
Our personal financial planning services include:
* Cash flow and budget planning
* Investment planning
* Education planning
* Tax planning
* Stock option planning
* Insurance planning
* Retirement planning
* Estate planning
* A second opinion on a current financial plan
The financial plan provides a general recommendation of the type of portfolio a client needs, based on the client's risk tolerance and return needs. The general recommendation is what is known as a portfolio allocation, which illustrates how investments should be allocated to specific segments of the market. Some examples of segments include large-cap U.S. growth stocks, foreign stocks in developed markets, the U.S. bond market and so on.
In wealth management, we take the recommended allocation and use it to formulate an investment policy statement which sets the overall investment strategy. From this, we then formulate the client's specific investment recommendations. Specific considerations within the investment policy statement typically include:
* Risk tolerance, including the ability and willingness to take risk
* Return needs as outlined in your comprehensive plan
* Tax considerations, typically focused on maximizing after-tax returns
* Time horizon over which portfolio will fund needs
* Liquidity needs in the short-term
You do not need a fortune to start building one. Contact us for a complimentary, no-obligation get acquainted meeting. This can be done either over the phone or in person. We can discuss which of our services may be appropriate for you during this meeting